You have to file an insurance claim if you have been involved in a car accident, and this article will help you raise your awareness and understanding on the claims process. You need to report the incident to your insurance agent or broker, and file an insurance claim with your insurance company as soon as possible after the car accident, most especially if it resulted to serious physical injuries and property damage regardless of who is at fault. The reporting must be done within seven days in an ideal setting, but if you are unable to do so, report it as soon as you can because there is a time frame followed by insurance companies and statute of limitations as indicated by the law to file and approve claims, and failure to report the car accident within a reasonable amount of time may deny or null your claim.
When you call your insurance agent or insurance company, be prepared to supply basic information and as much information as possible such as the name insurance policy number, the details of the vehicle (model, make, registration, and license plate number), and details of the accident (time, date, location, the other driver’s name and license numbers, extent of injuries, number of passengers involved, extent of vehicle damage, identification numbers and license plates of other vehicles involved, and description of the accident). Along with your insurance agent, the best person who can help you in understanding the coverage of your insurance policy and in filing a personal injury claim is a car accident lawyer. Once the car accident claim has been reported, you’ll be contacted by your insurance company’s claim adjuster via telephone or meet you in person so you can complete the Proof of Loss form, a sworn statement to support your claim. In terms of knowing the coverage of your insurance policy, your claim adjuster can explain the full details of your insurance coverage, but having a car accident lawyer gives you confidence and assurance that you will receive the maximum compensation you deserve for your claim. Insurance companies tend to underestimate your damages, so better hire a car accident lawyer to best negotiate for a higher claim.
Whether it is partial or full, someone is always determined to be the one at fault on any car accident. To help your insurance company provide the right claim’s treatment and consistent injury treatment, your insurance company base it on the Fault Determination Rules. The role of a personal injury lawyer is very important in any claims process, most especially if the insurance company seems trying to get away with its responsibilities or denying your claim. Feel free to visit our website or homepage so we can give you free legal advice about your case. A personal injury lawyer is always available to explain your rights and protect your best interest.